Terms & Conditions
General
1. Information on how to enter and prize details forms part of these Terms and Conditions of Entry. Entry into the promotion constitutes acceptance of these Terms and Conditions.
2. The promoter is Pepper Money Limited (ABN 55 094 317 665), Level 27, 177 Pacific Highway, North Sydney NSW 2060, Australia (Promoter).
3. The Promoter’s decision in relation to any aspect of the promotion is final and binding on every person who enters. No correspondence will be entered into regarding the Promoter's decisions.
4. Entry is open to existing Pepper Money email subscribers who are Australian residents 18 years or older. Management, employees, directors and contractors of the Promoter and its related entities are excluded from entering (Eligible Entrant).
5. The Promoter reserves the right to determine whether a person is an Eligible Entrant at its absolute discretion.
6. The promotion commences at 12:01am AEST on Wednesday, 22 April 2026 and closes at 11:59pm AEST on Sunday, 3 May 2026 (Promotion Period).
How to Enter
7. To enter the Promotion, Eligible Entrants must, within the Promotion Period, respond to the Pepper Money newsletter email, with an answer to the following question:
What’s your top tip for managing the cost of living? (Promotion Question)
8. Eligible Entrants may only submit one entry to the Promotion. Only the first entry will be accepted and any subsequent entries will be deemed invalid.
Judging
9. This Promotion is a game of skill and chance plays no part in determining the winner. Each entry will be individually judged based on the literary and creative merit of the answer provided to the Promotion Question.
10. Judging will be conducted at 10:00am AEST on Tuesday, 5 May 2026 (Judging Date) at the offices of the Promoter, Level 27, 177 Pacific Highway, North Sydney, NSW 2060 (Judging Location).
11. The Promoter reserves the right to rejudge in the event of an entrant being unable to satisfy these conditions, forfeiting or not claiming a prize.
12. The judges’ decision in relation to any aspect of the promotion will be final and binding on every person who enters, and no correspondence will be entered into.
Prizes
13. There are two (2) prizes to be won. Each prize is a AUD $200 eGift card. The maximum total prize pool is AUD $400 (including GST) (Prize).
14. A maximum of one (1) Prize applies per winner.
15. Each winner will be notified by email within 7 business days of the Judging Date, and their names will also be published on the Promoter’s website from 12pm AEST on Tuesday, 5 May 2026, for a minimum of 28 days.
16. Each winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEST on Tuesday, 12 May 2026.
17. If a Prize is not claimed within the timeframe specified above, the Promoter may rejudge an entry (in accordance with Clause 11) to determine an alternate winner. Each alternate winner must respond to the Promoter’s email to claim the Prize by 12:00pm AEST on Tuesday, 19 May 2026.
18. All Prizes will be sent to the relevant winners by email within 30 days of the relevant winner claiming their Prize.
19. The Prize is not exchangeable, or transferable and non-cash Prizes are not redeemable for cash. The Promoter shall not be liable for the Prizes being lost, stolen, damaged or tampered with in any way before they reach the winners or after they have been sent to the winners.
20. If the Promoter is unable to provide a winner with the nominated Prize, the Promoter reserves the right to supply an alternative prize of similar monetary value to the nominated Prize.
General Disclaimer
21. The Promoter is not liable for any loss or damage whatsoever which is suffered (including but not limited to indirect or consequential loss), or for personal injury suffered or sustained as a result of taking any Prize, except for any liability that cannot be excluded by law.
22. This Promotion may be withdrawn at the Promoter’s discretion, and these Terms and Conditions may be amended by the Promoter at any time during the Promotion Period, subject to any direction from a regulatory authority.
23. Unless otherwise advised, this Promotion is not available in conjunction with any other discount or promotional offer.
Personal information
24. As a condition of entry, each Eligible Entrant acknowledges that all entries become and remain the property of the Promoter, who may publish or cause to be published the entrant's name and entry for any commercial purpose, including future promotional marketing and publicity purposes, and otherwise consents to having the content of their entry and name published by the Promoter online, via social media or any other medium.
25. Any contact information entrants provide will be used by the Promoter for the purpose of administering this Promotion and contacting and verifying the winners. Entry is conditional on providing this information.
26. The Promoter may disclose personal information to its contractors and agents for the purpose of conducting this Promotion. The collection, use and disclosure of personal information is governed by the Promoter’s Privacy Policy.
E-gift card terms and conditions
27. The eGift card Prizes are issued by Unified Incentives Pty Ltd (ABN 53 157 818 427).
28. For full terms and conditions of the eGift card, please visit the eGift card issuer’s website here.
